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Old Second Bancorp Inc(OSBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OSBC
09/15/2026: OSBC (4-star) is a STRONG-BUY. BUY for 215 days. Simulated Profits (40.20%). Updated daily EoD!
Old Second Bancorp is a stable regional bank headquartered in Illinois, focusing on serving commercial and retail customers in the Chicago metropolitan area. Its main strength lies in deep local relationships and the successful integration of significant acquisitions, which have solidified its market presence. The company's primary growth opportunity involves expanding its fee-based wealth management services to diversify revenue. However, risks include geographic concentration, interest rate sensitivity, and competition from national incumbents. The stock is a suitable consideration for value or dividend-focused investors seeking exposure to regional banking, provided they monitor the company's credit quality and interest rate management closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with moderate growth prospects tied to local economic health. |
| Momentum investor | Weak fit | The stock typically tracks broader banking sector trends rather than rapid momentum catalysts. |
| Value investor | Strong fit | The stock often trades at valuations reflective of its stable book value and earnings. |
| Dividend investor | Strong fit | The bank offers a steady dividend history attractive to income-focused investors. |
| Low-risk investor | Mixed fit | While established, regional bank stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate significantly based on interest rate announcements and economic data. |
| Valuation risk | Low | The stock generally trades in line with fundamental book value metrics. |
| Competition risk (regional banking) | High | Intense competition from larger banks limits pricing power and market share gains. |
| Business quality | Medium | The franchise is solid but lacks the massive scale of national peers. |
| Dividend income | Low | Dividends are generally stable but sensitive to regulatory payout restrictions. |
| Execution risk | Medium | Successful management of loan portfolios and future M&A is crucial for long-term returns. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 33.65% | Avg. Invested days 61 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.30B USD | Price to earnings Ratio 14.75 | 1Y Target Price 27.5 |
Price to earnings Ratio 14.75 | 1Y Target Price 27.5 | ||
Volume (30-day avg) 406.0K shares | Beta 0.7 | 52 Weeks Range 16.43 - 26.06 | Updated Date 09/15/2026 |
52 Weeks Range 16.43 - 26.06 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 1.06% | Basic EPS (TTM) 1.73 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The core profit engine of the bank, driven by the spread between loan rates and deposit costs. |
| Non-Interest Income | Service charges, trust fees, and mortgage banking revenue. | Provides secondary, more stable income through customer fees and financial services. |
Valuation
Trailing PE 14.75 | Forward PE 8.6 | Enterprise Value 1.62B | Price to Sales(TTM) 3.8 |
Enterprise Value 1.62B | Price to Sales(TTM) 3.8 | ||
Enterprise Value to Revenue 4.66 | Enterprise Value to EBITDA - | Shares Outstanding 50.88M | Shares Floating 49.17M |
Shares Outstanding 50.88M | Shares Floating 49.17M | ||
Percent Insiders 4.33 | Percent Institutions 78.82 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Old Second Bancorp Inc
Exchange NASDAQ | Headquarters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1062 | Website https://www.oldsecond.com |
Full time employees 1062 | Website https://www.oldsecond.com | ||
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.
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